Money Matters by Allworth Financial

When markets reach new highs and tech stocks lead the charge, it’s tempting to let winners ride. But if you have accumulated significant wealth, when does high concentration stop building your future and start threatening it?

In this episode of Money Matters, Scott and Pat break down why the S&P’s massive tech weighting could leave near-retirees vulnerable, why rebalancing feels so emotionally difficult, and how to insulate the next 5 to 10 years of your cash needs from an extended market pullback.

Plus, Scott and Pat take listener calls:

The $800K Inheritance Dilemma: A son asks how to invest an unexpected lump sum for his father in his late 70s—balancing immediate income needs against a long-term legacy for the grandkids.

Retiring with $4M and Tech Exposure: Two retired educators with healthy pensions and nearly $4M in equities wonder if they need fixed income—and why learning to spend down wealth is harder than saving it.

Dollar-Cost Averaging vs. Lump Sum: Why waiting on the sidelines rarely enhances returns, and how to build an unemotional entry plan.

Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com.

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